Life Insurance Quotes

                                                               

           
 
    

Increased Insurance Premiums for Overweight

Are you wondering if you'll get increased life insurance premiums for being overweight? Find out more info here.

Your weight definitely factors into the premium that a life insurance company is going to charge you. Every life insurance company has their own underwriting standards for height and weight. If you are over the weight limit for your height, then you will be charged a higher premium. Besides weight, most life insurance companies will also scrutinize your health history, medications you take, your family’s health history, cholesterol, blood pressure, your driving history, hazardous activities or occupations, as well as your height and weight. All of these factors are taken into account to determine what rating a life insurance company gives you- preferred plus, preferred, regular plus, regular, or graded.

Here is a sample height and weight chart to give you an idea of what rating you might get when you apply for life insurance. Keep in mind that this is just hypothetical. Every company has different requirements for height and weight. You should speak with an experienced agent to determine which company is best for you.

 Height

Minimum BMI 17.0 

 Preferred BMI 32.9

 Standard BMI 35.9

 4'9

79

152

166

 4'10

81

157

172

 4'11

84

163

178

 5'0

87

168

184

 5'1

90

174

190

 5'2

93

180

196

 5'3

96

186

203

 5'4

99

192

209

 5'5

102

198

216

 5'6

105

204

222

 5'7

108

210

229

 5'8

119

216

236

 5'9

115

223

243

 5'10

118

229

250

 5'11

122

236

257

 6'0

122

236

257

 6'1

129

249

272

 6'2

132

256

280

 6'3

136

263

287

 6'4

140

270

294

 6'5

143

277

303

 6'6

147

285

311

 6'7

151

292

319

 6'8

155

300

327


If you are overweight, then you can still qualify for good rates. An experienced agent will be able to help you find the carrier with the best rates for your weight class.

Get a free no obligation quote today and compare multiple quotes from the nation's highest rated carriers.